Valley Dental Associates
9199 Reisterstown Road, Suite 206B, Owings Mills, MD 21117

Dental Plan Basics: Know Your Insurance Needs

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Buying dental insurance is the best way to keep your smile healthy and beautiful for life, but it’s not enough to simply find affordable dental insurance—you should consider which plan would best fit your lifestyle and budget. Before you buy, understanding how dental insurance works and what typical plans cover is essential.

Typical Covered Services and Maximums
Even full coverage dental insurance has limitations. Here are several things to consider before buying or using your dental insurance.

  • Dental insurance rarely pays the entire cost of treatment. You may have to pay out-of-pocket expenses or a co-payment.
  • In many cases, you’ll also have a yearly deductible that you’ll have to reach before the policy covers anything.
  • Preventative care such as cleanings, sealants, x-rays, and general exams are typically covered at 80 to 100 percent. Major dental work may only be covered at 50 percent.
  • Most dental insurance plans have a yearly maximum ranging between $1000 and $2500.
  • Some treatments, such as cosmetic procedures and implants, may not be covered.

Tips to Maximize Your Affordable Dental Insurance Coverage
Here are four ways to get your money’s worth from your full coverage dental insurance plan.

  • Obtain coverage for your entire family. In the long run, you’ll save money by adding everyone.
  • Take advantage of free preventative coverage. Early detection of problems prevents expensive treatment later.
  • If you have children, be sure your policy includes orthodontic coverage.
  • Be sure that your dentist participates in your PPO dental plan.

Five Questions to Ask Before Choosing a Plan

  • What annual and biannual preventative services are covered?
  • Am I allowed to choose my own dentist?
  • Is my coverage limited to the cheapest available treatment options?
  • Can I schedule appointments at my own convenience?
  • How much will I pay for services, office visits, and procedures?

Quick Facts Every Dental Insurance Buyer Should Know

  • Not every dentist accepts insurance.
  • You can obtain a pre-treatment estimate to determine cost and check coverage.
  • If you don’t meet your yearly maximum, it doesn’t roll over to the next year.
  • Know whether your policy is considered a preferred provider organization (PPO) or health maintenance organization (HMO) plan. Different dentists accept different types of plans.

To get the dental care you deserve from an affordable dentist in Owings Mills, call Valley Dental Associates today at (443) 898-1240 or make an appointment.

Valley Dental Associates offers affordable family dentistry and gentle, compassionate dental care in Owings Mills. Our office is conveniently located with extended hours to meet your needs. At Valley Dental Associates, we provide most dental services, from basic preventative care and general dentistry to specialized procedures and complete dental reconstruction. We accept most dental insurance plans and offer affordable financial solutions for any budget. Patient satisfaction is our top priority and we strive to provide the exceptional, affordable dental care and personal touch that lead to lasting relationships. A smiling patient is our greatest reward and we look forward to keeping those smiles healthy, beautiful, and bright. Discover an affordable dentist who truly cares at Valley Dental Associates.

Read What Our Patients Say
Patient Reviews
I love my dental hygenist Matt he is always very nice and very good at making you feel at ease while getting a cleaning. Dr. Goreman is by far my favorite dentist I’ve ever had. He is wonderful. I […]
Brooke G.
Matthew is the best dental hygienist ever!
Kimberly K.
Mathew is terrific
Mark B.
It was the most thourough dental examination I have ever had. Everyone has a great bedside manner.
Michelle C.
Excellent prompt and responsive
Gary G.
I had my first appointment here last week, based on a recommendation. I was so pleased with the visit. The staff was friendly and professional, and I was taken back almost immediately. Dr. Gorman […]
Regina R.
High level of competence of Dr. Gorman and staff; caring manner and professional interactions.
Leslie G.
I trust my dentist completely.
Barry M.
Friendly, do good work, I like the people who treat me
Roger K.
I’ve been using this office since I was a young child and now I bring my own young child there with me. They are great with me and even better with my son. He loves it there. They also participate […]
James C.
The only dentist office I’ve been to in my life. Everyone is so great and helpful. Very pleasant place.
Loren I.
I’ve been coming to Dr. Gorman for over 20 years and have always received excellent care. He listens and takes my best interest of my visits.
Yvonne W.
Valley Dental Associates has a great staff….they have always been friendly and accommodating to my needs. My first time there was a dental emergency, (I did have an actual first visit appointment […]
Arlene K.
I thought this particular treatment was going to be painful during and after but that wasn’t the case. It was a good experience (for the dentist) , and even a better experience afterwards when […]
Christeen H.
I like Dr. Gorman
Elyse S.
First time receiving care from that dentist. I’m impressed. . . he was awesome!
Wyona C.
Very good service!!
Ana S.
Very pleasant experience. I come here regularly and am never disappointed. Hygienist Elena was excellent today.
Nicholas L.
Every aspect of the process was professional, knowledgeable and friendly.
Joseph V.
The best atmosphere and service!
Yovnda T.
We Accept Most Insurance Plans!
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We accept most insurance plans and will be happy to help you understand the coverage that you have. We will do our best to see that you receive your maximum insurance benefits for all covered services.

No Insurance? No Worries! See our discounts and offers here

Office Hours
  • Monday 8:30 AM - 7:00 PM
  • Tuesday 8:30 AM - 5:30 PM
  • Wednesday 8:30 AM - 5:00 PM
  • Thursday 8:30 AM - 5:00 PM
  • Friday 8:00 AM - 4:30 PM
  • Saturday Closed
  • Sunday Closed
Get in touch:
  • Phone: (443) 898-1240
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